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Lending

Lending protocols form the backbone of the decentralized money market, allowing users to lend or borrow digital assets without intermediaries. Using smart contracts, platforms like Aave and Morpho automate interest rates based on supply and demand while requiring over-collateralization for security. The 2026 lending landscape features advanced permissionless vaults and institutional-grade credit lines. This tag covers the evolution of capital efficiency, liquidations, and the integration of diverse collateral types, including LSTs and tokenized RWAs.

14964 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Peter Thiel-backed Erebor Bank wins preliminary green light from OCC for national charter

Peter Thiel-backed Erebor Bank wins preliminary green light from OCC for national charter

The post Peter Thiel-backed Erebor Bank wins preliminary green light from OCC for national charter appeared on BitcoinEthereumNews.com. Key Takeaways The OCC conditionally approved the de novo national bank charter for Erebor Bank. The OCC reiterated its openness to banks engaging in digital asset activities if conducted safely and soundly. Erebor Bank, a new US bank backed by prominent technology entrepreneurs, including Palmer Luckey, Joe Lonsdale, and Peter Thiel’s Founders Fund, has secured preliminary conditional approval from the Office of the Comptroller of the Currency (OCC) for a new national charter in Columbus, Ohio. According to a Wednesday statement from the OCC, the approval comes after a thorough review of Erebor’s application. The move has made the firm the first de novo bank to receive preliminary conditional approval under OCC Chief Jonathan Gould. “I am committed to a dynamic and diverse federal banking system, and our decision today is a first but important step in living up to that commitment,” said Comptroller Gould. “Today’s decision is also proof that the OCC under my leadership does not impose blanket barriers to banks that want to engage in digital asset activities.” Gould indicated that digital assets, like other bank-permissible activities, can coexist within the federal system under sound risk management. He added that the OCC will “continue to provide a path for innovative approaches to financial services to ensure a strong, diverse financial system that remains relevant over time.” While the approval is preliminary and conditional, it represents a key milestone, allowing Erebor Bank to move closer to full regulatory authorization. Erebor will operate as a full-service national bank offering traditional lending and deposit products alongside digital asset services. It plans to hold around $1 million in crypto for transaction fees. The bank aims to serve technology companies and ultra-high-net-worth clients engaging in virtual currencies and tokenized financial products. Source: https://cryptobriefing.com/erebor-bank-approval-occ-charter/

Author: BitcoinEthereumNews

2025/10/16

Altcoin Season at 35 – Zcash Torches Resistance; Morpho, Dash Charge 10% – But Can It Last?

Altcoin Season at 35 – Zcash Torches Resistance; Morpho, Dash Charge 10% – But Can It Last?

Altcoin season has lacked broad participation, but selective rotation has favored Zcash, Morpho and Dash. ZEC has advanced on a privacy bid and sustained turnover; Morpho has benefited from steady lending use; Dash has reclaimed a range, with all three rising while the index has held in the mid-30s.

Author: Coinstats

2025/10/16

Why Analysts Think a $0.035 Token Could Be the Next DeFi Breakout

Why Analysts Think a $0.035 Token Could Be the Next DeFi Breakout

Analysts are now turning their focus toward cryptocurrencies that show real on-chain use rather than hype-driven promises. Among the growing list of DeFi projects, Mutuum Finance (MUTM) has stood out for its working structure and clear token utility.

Author: Cryptodaily

2025/10/15

Ethereum Foundation deposits 2,400 ETH and $6 million in stablecoins into Morpho vaults

Ethereum Foundation deposits 2,400 ETH and $6 million in stablecoins into Morpho vaults

The post Ethereum Foundation deposits 2,400 ETH and $6 million in stablecoins into Morpho vaults appeared on BitcoinEthereumNews.com. Key Takeaways The Ethereum Foundation deposited 2,400 ETH and $6 million in stablecoins into Morpho’s DeFi vaults. Morpho protocol utilizes open-source FLOSS licensing, enabling greater developer participation and ecosystem resilience. The Ethereum Foundation disclosed on Wednesday that it had deposited 2,400 ETH and approximately $6 million in stablecoins into Morpho’s yield-bearing vaults. Morpho, which operates as a permissionless DeFi protocol, is known for its commitment to open-source development. Its flagship products, including MetaMorpho and Morpho Vault v2, are licensed under GPL2.0. The move reflects the Foundation’s growing support for DeFi and ecosystem development in 2025, marked by major treasury actions and a shift in funding priorities. In February, the Ethereum Foundation injected approximately $120 million worth of Ether into various DeFi lending protocols to generate yield and augment its treasury funds. Source: https://cryptobriefing.com/ethereum-foundation-deposit-morpho-vaults/

Author: BitcoinEthereumNews

2025/10/15

Miners power higher as Plasma’s stablecoin hype fades

Miners power higher as Plasma’s stablecoin hype fades

The post Miners power higher as Plasma’s stablecoin hype fades appeared on BitcoinEthereumNews.com. This is a segment from the 0xResearch newsletter. To read full editions, subscribe. Beyond the near-term sector rotation, one group continues to stand apart on a year-to-date basis: Bitcoin Miners, up 150.32% YTD. That outpaces Crypto Equities at 16.13% and leaves BTC itself, up just 1.05%, far behind. This miner outperformance reflects a structural shift in how the market values the sector. Previously viewed primarily as leveraged proxies to BTC, miners are now increasingly seen as infrastructure providers controlling scarce, pre-permitted power capacity and high-density data-center real estate that can be monetized via either hash or AI/HPC hosting. This generates approximately 70% more revenue per megawatt than BTC mining, with contracts delivering roughly $149K/MW-month vs. $87K/MW-month from mining at current hashprice levels. Several miners, including Core Scientific (CORZ), Cipher Mining (CIFR), Iris Energy (IREN), CleanSpark (CLSK), and TeraWulf (WULF), are benefiting from this trend. They’ve secured multi-year hosting agreements that deliver contracted, dollar-linked cash flows in addition to mining revenues. Leadership remains highly concentrated. Heavyweight CLSK, IREN, and WULF have delivered outsized, triple-digit performance YTD, supported by three key competitive advantages: Rapid scale-up in efficient exahash and rack capacity. Cheap, reliable power with secured grid interconnects and clear expansion pathways. Credible AI/HPC optionality, converting their power-rich campuses into diversified, contracted revenue streams. Conversely, laggards within the sector typically have smaller operating footprints, higher energy costs, weaker balance sheets or limited progress on pivoting infrastructure toward AI/HPC workloads.  — Shaunda Plasma has liquidity, but now it needs life As Plasma Mainnet approaches its one-month anniversary, it’s a good time to assess whether it has lived up to its reputation as the stablecoin chain. After an explosive start, the price action of XPL has been brutalized. It is down -43% in the past week and -70% from its all-time high. Despite ranking…

Author: BitcoinEthereumNews

2025/10/15

Stable taps Morpho as lending partner to generate stablecoin yield

Stable taps Morpho as lending partner to generate stablecoin yield

Stable has partnered with Morpho to power lending across its ecosystem, including the Stable Pay app. The integration claims to let users generate yield through idle balances. According to a press release sent to crypto.news, the stablecoin-powered blockchain Stable has…

Author: Crypto.news

2025/10/15

$25 million Ethereum MEV exploit puts ‘Code Is Law’ on trial

$25 million Ethereum MEV exploit puts ‘Code Is Law’ on trial

The post $25 million Ethereum MEV exploit puts ‘Code Is Law’ on trial appeared on BitcoinEthereumNews.com. The trial of two brothers, Anton and James Peraire-Bueno, began yesterday at New York’s SDNY courthouse. The brothers, both in their twenties, were charged in May last year with “conspiracy to commit wire fraud, wire fraud, and conspiracy to commit money laundering.” The charges relate to a $25 million exploit of maximal extractable value (MEV) bots on Ethereum which took place in April 2023. The brothers are expected to argue that their actions were in line with the Ethereum’s “economic incentives” and all they did was “outsmart some ‘predatory’ automated trading bots,” Business Insider reports. Yesterday’s jury selection was covered by Inner City Press’ Matthew Russell Lee who will continue to live-tweet the trial. Read more: US indicts Ethereum validators for exploiting MEV trader The charges The complaint says the Peraire-Bueno brothers “fraudulently gained access to pending private transactions and used that access to alter certain transactions and obtain their victims’ cryptocurrency. It adds that they “rejected requests to return the stolen cryptocurrency and took numerous steps to hide their ill-gotten gains.” The document also points to the brothers’ educational background of “mathematics and computer science at one of the most prestigious universities in the country.” Former Deputy Attorney General Lisa Monaco called their actions a “first-of-its kind wire fraud and money laundering scheme” at the time. The exploit The brothers’ actions targeted MEV bots on the Ethereum network. MEV bots analyze pending transactions looking for opportunities to profit, often at the expense of other users. One classic example is of “sandwiching” other users’ transactions. MEV bots can insert their own transactions before and after a token swap to manipulate prices and make a profit where the initial user takes a loss. A rogue validator on Flashbot seems to be exploiting MEV bots. Over 25m USD already stolen. The validator…

Author: BitcoinEthereumNews

2025/10/15

Bitcoin Hyper Could Be the Explosive Fix for Bitcoin’s Biggest Problems

Bitcoin Hyper Could Be the Explosive Fix for Bitcoin’s Biggest Problems

What to Know: Bitcoin Hyper has raised over $23.7M in its presale, with tokens priced at $0.013115. The project introduces a Solana-powered Layer-2 that brings sub-second transactions and near-zero fees to Bitcoin. Holders of $HYPER can stake for up to 50% APY, earn governance rights, and access exclusive airdrops and dApps. By merging Bitcoin’s security with Solana’s speed, Bitcoin Hyper could transform Bitcoin from a static store of value into a full programmable economy. Bitcoin still undoubtedly leads crypto. It’s the original, the most trusted, and valued at over $2.2T. Yet it moves as if it’s stuck in 2013. The network processes only seven transactions per second (TPS), with confirmation times averaging ten minutes. Previous solutions have failed, making Bitcoin almost unusable for DeFi or dApps. Despite its dominance, Bitcoin remains slow, expensive, and limited. That’s where Bitcoin Hyper ($HYPER) comes in, as a Solana-based Layer-2 designed to finally bring Bitcoin the speed, scale, and flexibility of modern blockchains. $HYPER seems ready to be the next big crypto surge. The Problem: Bitcoin’s Strength Has Become Its Bottleneck Bitcoin’s architecture was designed for security, not speed. Its Proof-of-Work system remains the benchmark for decentralization, but it’s painfully slow, averaging just 4.58 TPS in real time, with block times now exceeding 17 minutes. During network congestion, such as the 2021 bull run or the 2024 Runes minting craze, fees have surged past $100 per transaction, freezing small payments and causing frustration for users. When compared to other blockchains, the difference is striking. Solana handles 859 TPS live and can reach up to 65K TPS theoretically. BNB Chain achieves 295 TPS, and Tron processes 168 TPS, all with sub-second block times. Even Base, Coinbase’s Layer 2, surpasses 107 TPS in real-time. Bitcoin looks prehistoric in comparison to these. This gap has both cultural and economic consequences. Developers have historically avoided building on Bitcoin because it lacks the infrastructure for smart contracts, dApps, and liquidity tools that characterize modern cryptocurrency ecosystems. The Lightning Network was meant to bridge the gap, but its channel-based design makes it unsuitable for large-scale DeFi or NFT platforms. So Bitcoin remains the ‘digital gold,’ but gold itself doesn’t move quickly. For Bitcoin to truly develop into a usable and programmable economy, it requires more than just a few adjustments. It needs an execution layer designed to meet today’s blockchain needs. The Solution – Bitcoin Hyper ($HYPER) Unlocks Bitcoin’s Full Potential Bitcoin Hyper ($HYPER) claims to be the first full Layer-2 built for Bitcoin using Solana’s Virtual Machine (SVM). The same technology that powers Solana’s sub-second block times and 65K TPS capacity. In other words, it brings Solana-like performance to Bitcoin without losing Bitcoin’s security. Here’s how it works: You transfer your $BTC to Bitcoin Hyper by sending it to a verified address. Smart contracts automatically read Bitcoin blocks and confirm your deposit. Once verified, the same amount of $BTC is mirrored 1:1 on the Hyper Layer-2. From there, you can send, stake, or trade Bitcoin instantly with nearly zero gas fees. Transactions are later bundled, validated using zero-knowledge (ZK) proofs, and committed back to Bitcoin’s Layer-1 chain, preserving the network’s trustlessness and verifiability. Unlike wrapped tokens or sidechains that rely on custodians, Bitcoin Hyper remains fully synchronized with the Bitcoin blockchain, preserving decentralization while enhancing scalability. By using SVM, Hyper inherits Solana’s speed and efficiency. That means instant payments, DeFi lending powered by $BTC collateral, and the birth of Bitcoin-native meme coins and NFTs. Now all is possible within a single, secure framework. Developers can also build dApps that transfer assets seamlessly between Bitcoin, Ethereum, and Solana, enabling genuine cross-chain interoperability from the outset. Beyond the tech, Bitcoin Hyper also revitalizes Bitcoin’s culture. It provides builders, degenerates, and creators a space to innovate without leaving the Bitcoin ecosystem. The goal is straightforward: make Bitcoin usable and not just something to hold Read our What is Bitcoin Hyper guide for a more comprehensive overview. The Financials – $23.7M Raised and Counting The Bitcoin Hyper presale has already garnered significant attention, raising over $23.7 million with a token price of $0.013115. Momentum is rapidly growing as investors position themselves early in what could become a major infrastructure project for Bitcoin’s future evolution. Our Bitcoin Hyper price prediction forecasts the project could reach a price of $0.253 by 2030 based on expansion and continued $BTC growth. The native token, $HYPER, powers everything in the ecosystem, from gas fees and governance to staking and access to the launchpad. Holders can earn up to 50% APY through staking, providing a consistent yield in addition to the project’s high-growth potential. Early presale buyers also get first access to upcoming airdrops, staking pools, and dApp launches, effectively becoming the first citizens of Bitcoin’s new era layer. Learn how to buy Bitcoin Hyper in our step-by-step guide. This provides exposure to a Layer-2 network built to scale Bitcoin itself. It’s a rare chance given Bitcoin’s established position. If Bitcoin Hyper fulfills its promise, it could transform Bitcoin from the slowest Layer-1 into one of the fastest crypto execution environments. With prices set to increase in the next presale phase, timing matters. Early entry offers both utility and upside. Join the Bitcoin Hyper presale before the next price jump. This article is not financial advice. Crypto and presales carry inherent risks. Please do your own research (DYOR) and never invest more than you are willing to lose. Authored by Aaron Walker, NewsBTC — https://www.newsbtc.com/news/bitcoin-hyper-promises-explosive-solution-to-bitcoin-biggest-problems

Author: NewsBTC

2025/10/15

China Merchants Bank tokenizes 3.8B USD fund on BNB Chain in Hong Kong

China Merchants Bank tokenizes 3.8B USD fund on BNB Chain in Hong Kong

TLDR CMBI’s $3.8B fund is now tokenized on BNB Chain after its Solana launch. Accredited investors can access the fund using fiat or stablecoins. OnChain enables CMBI tokens to be used for DeFi lending and yield uses. The fund’s assets rose from $2.9B in April 2025 to $3.8B by October. China Merchants Bank’s Hong Kong-based [...] The post China Merchants Bank tokenizes 3.8B USD fund on BNB Chain in Hong Kong appeared first on CoinCentral.

Author: Coincentral

2025/10/15

Mutuum Finance (MUTM) Price Prediction: Can This Viral DeFi Crypto Rise 72x Before 2027?

Mutuum Finance (MUTM) Price Prediction: Can This Viral DeFi Crypto Rise 72x Before 2027?

Investors have watched Mutuum Finance (MUTM) Price Prediction closely as this DeFi project surges through its presale. Phase 6 of 11 phases has reached 65% completion, drawing sharp interest amid rising crypto prices. The platform raised $17,350,000 since the presale began, while total MUTM holders hit 17,040.  Current buyers secure tokens at $0.035, a 250% [...] The post Mutuum Finance (MUTM) Price Prediction: Can This Viral DeFi Crypto Rise 72x Before 2027? appeared first on Blockonomi.

Author: Blockonomi

2025/10/15

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